> For the complete documentation index, see [llms.txt](https://docs.spendl.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.spendl.money/spendl-for-individuals/spendl-money-app.md). # Spendl Money App Welcome to the Spendl Money App
## Spendl Money for Individuals Spendl Money is a licensed and compliant financial platform built for individuals who want to manage, move, convert, and spend money from one connected app. It allows users to move from crypto to fiat through a compliant and regulated system, then spend that value locally or globally using their Spendl Card. At its core, Spendl solves a simple but persistent problem. Owning digital assets is easy. Using them in everyday life is not. Banks do not support crypto directly. Exchanges are not designed for everyday spending. Off ramping can involve delays, unclear fees, and compliance risk. Spendl replaces that complexity with one connected platform built for funding, conversion, wallet management, transfers, card loading, and spending. ### What Spendl Allows You To Do With Spendl, individuals can: | Feature | What it means | | --------------------------------- | --------------------------------------------------------------------------------------------- | | Deposit digital assets | Fund your Spendl Wallet using supported cryptocurrencies | | Convert to Rand | Convert supported digital assets into South African Rand with clear rates and fees | | Manage funds in one wallet | View, hold, convert, and manage balances inside your Spendl Wallet | | Send to Spendl users | Send funds instantly and for free to other Spendl users | | Send to external bank accounts | Move funds from your Spendl Wallet to supported external bank accounts | | Load your Spendl Card | Move funds from your Spendl Wallet onto your Spendl Card | | Spend locally and internationally | Use your loaded card wherever networked cards are accepted | | Track activity | View wallet activity, transfers, conversions, card loads, and spending history from one place | ### The Spendl Wallet The Spendl Wallet is the main account layer inside the platform. It connects your funds to every action you need. | Wallet action | Use case | | --------------------- | --------------------------------------------------------------- | | Receive funds | Deposit supported digital assets into your Spendl Wallet | | Convert funds | Convert crypto balances into ZAR when you are ready | | Send to Spendl users | Transfer funds instantly and for free inside the Spendl network | | Send to bank accounts | Pay out funds to supported external bank accounts | | Load your card | Move available ZAR from your wallet to your Spendl Card | | Manage balances | Keep track of funds, conversions, transfers, and card activity | Your Spendl Wallet is where your money becomes usable. You do not need to jump between exchanges, banking apps, wallets, and payment providers. The wallet connects the full experience in one system. ### How Spendl Works The platform allows users to deposit supported cryptocurrencies, convert them into South African Rand with transparent pricing, and spend those funds using a Spendl Card. This happens inside one account, with visibility and compliance at every step. There is no need to juggle multiple apps, banks, or payment providers. Every Spendl account is linked to a verified fiat account provided through a regulated banking partner. This means deposits, withdrawals, card loads, and spending happen within a compliant financial framework. Users are not operating in a grey area or relying on informal rails. Funds are held, converted, transferred, loaded, and spent through regulated infrastructure. ### The User Experience For the user, the process is straightforward.
StepAction
1Fund your account from your own wallet or exchange
2Convert supported digital assets into Rand when you are ready
3Manage your funds inside your Spendl Wallet
4Send funds to other Spendl users instantly and for free
5Send funds to supported external bank accounts
6Load your Spendl Card directly from your wallet
7Spend using your Spendl Card locally or internationally
The difference is that your starting point can be digital assets, not a traditional bank transfer. ### Supported Use Cases Once funds are converted and available in your Spendl Wallet, they can be used for: | Use case | Description | | ---------------------- | ---------------------------------------------------- | | Everyday spending | Spend using your Spendl Card at supported merchants | | Online purchases | Use your card for online payments where accepted | | Travel spending | Load your card and spend internationally | | Bills and payments | Use wallet funds to support day to day payments | | User to user transfers | Send funds instantly to other Spendl users | | Bank transfers | Send funds to supported external bank accounts | | Card loads | Move funds from your wallet to your card when needed | | Cash withdrawals | Withdraw cash where supported and subject to limits | All usage is subject to account limits, supported assets, available balances, verification level, and platform rules. ### Getting Started #### Order Your Card Start by visiting: You can purchase your Spendl Card for R99.00, with shipping available across South Africa. #### Create Your Account Once you have received your Spendl Card, visit: Create your account, select your preferred plan, and follow the KYC instructions. #### Load Your Account Once your KYC has been approved, you can transfer your desired supported assets into your Spendl Wallet. [View supported assets here](/spendl-for-individuals/spendl-money-app/supported-assets.md) #### Convert To Fiat Inside your account, you can view the relevant rates and fees before converting your crypto balance into ZAR. #### Manage Funds In Your Spendl Wallet Once converted, your funds will be available inside your Spendl Wallet. From your wallet, you can: | Action | Description | | --------------------- | --------------------------------------------------------- | | Send to Spendl users | Transfer funds instantly and for free | | Send to bank accounts | Move funds to supported external bank accounts | | Load your Spendl Card | Add funds to your card for spending | | Track activity | View your wallet, transfer, conversion, and card activity | #### You Are All Set Once your funds are available and your card is loaded, you can start spending with your Spendl Card anywhere a networked card is accepted. Spendl gives individuals one compliant system to fund, convert, manage, send, load, and spend. Your digital assets become usable in everyday life through the Spendl Wallet and Spendl Card, without needing to move between multiple apps, banks, exchanges, and payment providers.